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Credit Risk Business Expert - Quantitative Analyst

Mise à jour le 04.06.2025

GROUP BNP PARIBAS
BNP Paribas Group is the top bank in the European Union and a major international banking establishment. It has close to 185,000 employees in 65 countries. In Spain we are more than 5,100 employees within 13 business lines.

ARVAL
At Arval, our mission is to improve people´s lives by offering mobility services tailored to the needs of our customers, with a clear focus on sustainability mobility. We offer a wide range of innovative solutions and provide a personalized service to our customers, from large corporations to private individuals. With more than 30 years of experience, a presence in thirty countries and a financed fleet of more than 1.5 million vehicles, we are leaders in our sector. Our new strategic plan Arval Beyond prepares us to offer our customers the best sustainable mobility adapted to their needs.

ABOUT THE JOB

MISSION
Contribute to the continuous improvement of the Department's efficiencies and process, controlling the proper functionality of the business tools and the decision-making tool, ensuring correct use and managing any incident about them.
Participate in projects as BE, individually or together with the Project Risk Manager, at Department and Transversal level.
Participate in the development and monitoring of decision models at local level and jointly with Corporate.


RESPONSIBILITIES

 ■      Lead projects in the first person or participating as BE together with the Project Risk Manager.

 ■      Participate in transversal initiatives with other business areas.

 ■      Contribute to continuous improvement initiatives of the department, working together and supporting 1LoD.

 ■      Assist and advise risk tools users.

 ■      Manage the incidents of the risk tools.

 ■      Complete the Controls established on the risk tools and related processes.

 ■ Decision-making tools. Credit decisions models.

 ■      Manage risk efficiently by developing quantitative models to keep risk.

 ■ Model validation. Test and validate risk models to ensure their accuracy and effectiveness. Complete functional tests of decision models- rules. 

 ■      Participate in the definition of KPIs and actions for the continuous improvement of the Department and its monitoring.

 ■      Identify and define improvements in collaboration with other Business Experts at local level and with counterparts in other countries.

 ■      Participate in the analysis and management of the different development requests of the Department and the rest of the business, analyzing feasibility and possible impacts.

 ■ Collaborate with functional and software quality analysts in the drafting of requirements and validation of specifications, as well as in the optimization of systems testing processes.

 ■  Participate in the Local Committee of Change request.


REQUIREMENTS

 * Studies

University degree: Bachelor's degree.

Complementary:

 Knowledge of Credit Analysis.

 Knowledge of Decision-making tools. Credit decisions models.

  Knowledge of Project Management and Process Improvement. (Desirable).

 AGILE certification (Desirable).

 * Experience

 ·       Risk knowledge & awareness.

 ·       Risk management tools. 

 ·       Project management and continuous process improvement.

 · Credit decision-making tools.

 ·       Credit decision models. Model validation.

 ·       Testing methodology.

 ·       Methodology of analysis and designs of processes and functional. Data processing.

 ·       Computer skills

 ·       Seniority and empowerment to make decisions.

 ·       Ability to organize. 

 ·       Anticipation and adaptation.

 ·       Communication skills. 

 ·       Interpersonal relationship. Transversal skills.

 ·       Attention to detail/rigor. 

      Sufficient autonomy and proactivity to complete the function.

 * Languages: English and Spanish

SKILLS

 * Technical

SAS
SQL
Dataiku
Python
Excel

 * Transversal & Behavioral

Analysis 

Networking

Critical Thinking

BENEFITS

• Training programs, career plans and internal mobility opportunities, national and international thanks to our presence in different countries.
• Diversity and Inclusion Committee that ensures an inclusive work environment. In recent years, several employee communities have been created to organize diversity and inclusion awareness actions (PRIDE, We Generations and MixCity).
• Corporate volunteering program (1 Million Hours 2 Help) in which employees can dedicate time out of their working hours to volunteer activities.
• Flexible compensation plan.
• Hybrid telecommuting model (50%).
• 22 vacation days.
• 2 personal days.
• Day off on Christmas.
• Half-day off on your birthday.
• Intensive workday every Friday, and in July and August.
• Flexible working hours.
• Life insurance.
• Health insurance.
• Meal voucher 
• Fixed salary + variable bonus + profit sharing. 

Diversity and inclusion commitment
BNP Paribas Group in Spain is an equal opportunity employer and proud to provide equal employment opportunity to all job seekers. We are actively committed to ensuring that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity/paternity, race, religion or belief, sex or sexual orientation. Equity and diversity are at the core of our recruitment policy because we believe that they foster creativity and efficiency, which in turn increase performance and productivity. We strive to reflect the society we live in, while keeping with the image of our clients.

Notre offre vous tente ? Alors n’hésitez plus !

Découvrez les métiers de BNP Paribas : Audit, Conformité, Risques et Juridique

Le paysage réglementaire de notre secteur évolue rapidement et nous nous devons d’être irréprochables ! Pour exercer un métier à fortes responsabilités et prendre part à des décisions stratégiques pour le bon fonctionnement de BNP Paribas, découvrez les opportunités offertes dans les métiers de l’audit, de la conformité, des risques et du juridique.

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Pourquoi je candidaterais ?

Pour quelles raisons je rejoindrais BNP Paribas et pas une autre entreprise ?

Parce que je souhaite...

  • Et si on vous disait que travailler dans notre Groupe, ce n’est pas ce que vous croyez ? Chez BNP Paribas, on exerce une multitude de métiers qui évoluent en permanence pour être en phase avec les attentes des clientes et clients comme de la société. Au travers d’actions du quotidien ou de grands projets, exercer l’un de nos métiers, c’est s’engager pour agir durablement.

  • Se sentir bien dans son job, c’est avant tout venir travailler comme on est.  C’est aussi avoir les moyens d’un bon équilibre entre sa vie professionnelle et sa vie personnelle. Deux engagements majeurs pour BNP Paribas.

  • Chez BNP Paribas, le développement de vos compétences est essentiel, pour vous comme pour nous. Et cela vous servira pour toute votre vie professionnelle.

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